More Money, More Problems

• August 6, 2023
• realestate
• Podcast

Are you tired of financial roadblocks, lost in the maze of mortgages and interest rates? Do you want to be debt-free sooner? Join us on the latest episode of Your Real Estate Life with the dynamic Michael Harris, where we’re decoding the secrets to supercharging your financial future! In this episode, Mike reveals powerful strategies to help you not only save money but also conquer your financial goals. Get ready to gain insights into optimizing loans, reducing interest, and unlocking the path to financial freedom. Don’t miss this opportunity to make your money work smarter for you. Tune in now!

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Listen to the podcast here

More Money, More Problems

I’m glad to be here. I’m glad you’re joining us. I want to know, what kind of loan do you have? Are you renting? Do you currently own? Have you looked at your mortgage statement lately? How much interest is going towards that ultimate payment? Let’s try to optimize your results and eliminate debt sooner so you can create wealth. It’s not only about getting a home loan or getting a mortgage. That gets you the property. It gets you that needed transactional close in order to obtain a deadline that you have under contract, but what you do after that is still very important. It’s not always, “Make that mortgage payment. I’ll stay on target for 30 years.” It’s attacking early interest. On your home loan, you have an amortized home loan unless it’s interest-only.

As an amortized loan, it stacks interest sooner versus later. Pending on your current rate, whether you did a loan in recent years and it was a lower interest rate, you may be paying 62% to 85% interest on that monthly statement. “No, I’m not. I’m paying 2.75%. I’m paying 4%.” Yes, you are. Take a look at your interest rate and then consider the fact about interest volume. Interest rates are not created equal. It’s how they’re paid and how they’re set up that’s most important. When you have individuals that are getting an equity line of credit, they used to be very inexpensive as well but now you have a prime rate at 8.5%. If you’re a prime, you’re paying 8.5%. Now 8.5% is higher than 3.5% and whatever it used to be. That’s interest only.

When you have an 8.5%, even prime plus two, let’s say now it’s 10.5%. If you have a 10.5% interest-only loan, you are paying 10.5% interest. If you go back to your mortgage statement, 10.5% could be cheaper than 3.5% because of how that setup is to the loan. It may be cheaper if you borrow at a 10.5% rate to pay off a 3.5% rate just because of that setup. I’m not looking for you to get a degree in Finance or be a mathematician. I’m not looking for all of that. What I am asking you to do is have an open mind for consideration. I like to show you your results and optimally what you can do to better your position and free up more discretionary monies.

I like you to consider joining me on a webinar on Tuesday evening at 6:00 PM. In that webinar, you can register. Send me an email at Webinar@AHeadForMoney.com. I will then give you access so we can get your space for the meeting. We’re going to talk in general about a perfect financial GPS program and how it can work for you, whether you own real estate or not, you have a car payment, student loan payments, or other items like credit cards. How we can attack early interest by churning up your volume. We’re going to make things go away. Let’s get rid of that cliché there, but we’re going to make this thing happen. We’re going to attack that interest and utilize monies that are better suited in timing and numbers to lower that overall item for you.

I want to make this happen for you. I want to show you how it’s possible. That’s (888) 543-3980. Register at Webinar@AHeadForMoney.com. In one hour, we will give you information and education to allow you to make a better decision for you and your family. It will lead us to the next opportunity of meeting. I’m not asking you to decide anything at that meeting. I want to give you enough information so you can see how much of a difference it can make in your life. It has made a difference in mine.

Making A Difference In Your Life

The mortgage that I moved out of my home, I sold a home, bought another home, and had a new 30-year loan. My interest rate is at 2.75%. I’m the poster child for that mortgage. My 26.4 years remaining is under eight years for payoff. I like to show you how you can do the same. You’re going, “Hogwash. How can that be?” Let me show you.

When you’re driving in your car and you’re trying to figure out a way to get somewhere, you use the GPS of your car. This is a financial GPS doing the same thing. It’s getting you to destination zero in the easiest, swiftest, and most efficient way possible. You can make a wrong turn, but it’s going to get you back on the path. Let me show you how and the difference it can make for you. The results have been tremendous. A couple saved $414,000 of interest and we cut years off their loans.

Give us a call at (888) 543-3980. for all your lending needs, whether it’s residential or commercial, or you’re going forward or reverse. We talk about reverse mortgages on our shows. We’re able to help people 55 years of age and older. We’re doing Death Service Coverage Ratio loans or DSCR loans for individuals who are looking to buy an investment property and the investment property is paying the mortgage. It’s a positive and good investment.

We can get those closed very efficiently and we could do that in over 30 states. I’d love to talk to you about that as well. Let me know. If I can’t help you in the state that you’re looking for, I will refer you appropriately to another professional who I have confidence can do a great job. When you’re working with another individual, I have no problem reviewing documentation, giving you that little person over the shoulder, letting you know everything is okay, and making sure you have a second set of eyes on someone who’s in the business who’s able to give you that information confidently.

This way you can move forward and sleep better at night. That’s really the goal of what I’ve been doing for years. I want to make sure you’re comfortable throughout the transaction and keeping you up at night is not what needs to come with a real estate transaction. There are things that do come up, but the goal is to try to anticipate those things to make sure they don’t happen. They happen the way you want them to happen. It’s being prepared.

When we are starting a loan process, I want to make sure we get your documentation. Certain documentation may or may not be ultimately needed. I want to get that list. When I give you a list of 10 items, I need 10, not 6, 9, or 8. When I ask you for bank statements, I need both sides of the bank statement if they’re two-sided. Not 1, 3, 5, and 7, but I also need 2, 4, 6, and 8. I want to make sure we have complete information. Those bank statements can have odd deposits. We may have to explain those deposits. They come back or are not part of your normal income. If you’re looking at a loan, we can do it under a non-qualified mortgage outside the box where we can go bank statements only.

We’re doing a loan right now with 24 months of bank statements. They have tremendous cashflow, but based on costs, expenses, and legal items to deduct, the income on a tax return would not be adequate for what is called the debt-to-income ratio. Based on cashflow, expenses, and what we’re able to show on the bank statements, business and/or personal, we’re able to get that loan qualified and get the loan closed. Some individuals would say, “Those loans are more expensive.” If you paid an extra percent or two on that borrowed money or you showed enough money to qualify for the best rate, how much additional taxes are you throwing the other way?

You have a goal or a thought here. You could pay more in taxes and more money going out because you showed more income and you didn’t take your legal deductions. Did you take your legal deductions, pay a lot less in taxes and you’re able to utilize that for the purchase of a property and qualify for a loan? You want to maximize both sides, but you have to be looking at reality here. You’re saving a lot more money and then you’re paying back over time the other way. Is it the other way that’s money today, or is it money over time with some potential tax benefits and perhaps an interest rate that can still improve, depending on your timing and lifestyle?

These are all the things we look to put together when we’re looking at a loan and a loan opportunity. That’s where I like to talk to you. I want to be there early in the process. We need to look at credit scores. Are you in the 500s, 600s, or 700s? If you’re over 760, you’re in a great spot. If you’re 740 or 720, there’s room but you’re still in a great spot. It depends upon your down payment. Based on your equity position on your refinance, whether it’s a cash-out, all these things matter. That’s why I like to lay down the groundwork and understand where you are.

Once these decisions are made, we look at the overall debts and obligations and where you stand. We want to make sure now we get you in a better position and have a better understanding of what needs to be done, whether you’re looking to save for the future. Maybe it’s educational items and various things for the family. Maybe it’s your retirement, making sure your discretionary money is working hard for you, and looking at the principles of money and utilizing those properly in order to create additional wealth as stated.

I want to talk to you more specifically but initially, more generally. Let’s meet on a webinar on Tuesday evening at 6:00 PM. Email me at Webinar@AHeadForMoney.com. When you send me that email, of course, I have your email address, throw me a phone number and a name. What I’m going to do is send you out the location and the invite, and make sure you have a seat available for you for that Tuesday night. Once you have that meeting on Tuesday night, no obligations. You don’t have to turn on your camera. Just go ahead and watch this item and understand it a little bit better.

I can do a separate meeting with you too if Tuesday night is not good. I can make an appointment with you, have a one-on-one, and take us a little bit further and talk more specifically about you because this will be more of a general presentation. If I have that meeting with you, I want to find out your why, what you need, and what you’re looking to accomplish, then I’d like to tailor this opportunity better for you and show you the results.

I would probably then give you a homework assignment. I’m going to have you gather up all your ins and you’re outs. I want to know what’s going on. It’s junk in, junk out. If we have the right items, we’ll have the right results. I want to know all the funds and all the monies. As I do this for my clients and we have those items, it’s very easy for us to do and give those results. If you have a mortgage or a car, I’m probably going to save you $50,000 to $100,000 in interest off the top. We’ve seen people save $400,000 overall. It’s a lot of money. You could perhaps do some of this yourself, but you have to be disciplined and you could leave years on the table.

The idea is to work less and be more smart about your time, but have a perfect financial GPS leveraging technology that’s going to work 24/7 for you. It’s always nice to have someone smarter in the room who doesn’t talk back. That’s what this does. I’m able to log in at any time, see what needs to be done over the next 90 days, and follow it. It doesn’t pay your bills just like your GPS isn’t driving your car. It tells you the date to make the payment. You still set up your automatic payments and do what you’re doing. It’s giving you precisely to the penny what you should be doing and not promoting a late payment because you’re entering your statement date.

We’re going to enter your due dates. We’re going to have all this information in this opportunity. We set that up upfront with you and then you’re going to know how to maintain it because of the information we’re going to provide. We’ll set that up with you. I’m a Certified Field Trainer for this opportunity and I’m going to be there every step of the way with you. I want to make sure your journey is profitable and you save money. Do the things that you want to do, whether it’s gaining more flexibility for travel, other items, paying off debt, buying other doors possibly with investment, and other items to do, but we’re going to look at the complete picture. It starts with you. There are a couple of options.

(888) 543-3980, you can call that number. Let me know if you’re looking for some information. I can get you the invite for the webinar on Tuesday evening at 6:00 PM, or we can set up an individual time. I’ll send you an email. You can send a link to my calendar, and we can set an appointment. I’d like to reserve maybe at least an hour’s time if you have that. That would be appropriate and then we can follow up with other meetings as needed. You can do that, but I want to get this out to you. Webinar@AHeadForMoney.com or call (888) 543-3980.

This does not take away from what I do and what my profession is. I’m a mortgage banker. I’m able to broker loans also. I’m approved in five states, California, Colorado, Montana, Texas, and the state of Washington. I’m able to close directly in those markets and states. We’re also able to do what’s called Debt Service Coverage Ratio Loans for investors in 30-plus other states. We’re able to get those loans closed as well. We’re doing commercial, construction, and forward and reverse mortgages. Anything tied to numbers, financing, and real estate, we’re able to help. I want to make sure I can do that for you. We don’t list. We don’t sell, but we provide solutions. We try to do it at the best timing and cost possible based on your unique situation and needs. That’s where we get to know you.

The Path To Being Debt-Free

As I’m running numbers, doing items, making sure people are getting their debt-free date lower, and creating more wealth, we’re listening, gathering, getting, and understanding your concerns and your needs. We had an individual. His current path is he is going to be debt-free at the age of 90. Under the opportunity, we were going to have him debt-free at age 70. He was concerned about the nine years. My concern was not doing it is putting them up to a lot more, 29 years.

If I told you that I could save you $50,000, would you be excited? How about $100,000? How about $150,000? It’s a huge amount of money, but you have a choice. You can send it to the current plan you have now and send it to your institution and your banks, or you can have it yourself. It’s that simple. Do you want the money, or are you feeling charitable and you want to give it to somebody else? That’s what it’s all about. I want to give it back to you and show you the power of being your own bank. If that doesn’t rile you up, you’re spending money, sending it somewhere else, you’re working hard hours, you got a gig job, and you’re doing all these fun little things. You don’t have the time to do what you want to do. You continue to do that and look for more items and concerns, but you have something on the table that’s got to give you that opportunity.

I had a financial planner. He works in the pension arena but he was laid off from his job. I want to show him this opportunity on how he’s able to take current clients or people that he has and make sure he’s contractually able to do so. With the influence he has in the money arena, he has the ability to be successful not only for himself but as an agent to help others improve their status and position. I can show this opportunity to other professionals. It doesn’t have to be your full-time job. If you know individuals who have debt who could be helped, you can do it on a referral basis and you don’t need a license.

We have individuals like school teachers who are moving forward, talking to other teachers and other individuals. They’re helping each other pay off debt much sooner and being in a better financial position. I want to bring that out to you. You do not need to be in the finance world to achieve success. You have families, friends, and others. You know people. You have community events in areas that you’re involved in, and people are talking about money, needs, interest rates, and problems. You have a solution on the table that they can evaluate and understand. You don’t have to be that person relaying that information until you feel you’re comfortable doing so. I will be your partner in this opportunity to allow you to move forward.

We have realtors, insurance individuals, financial planners, and CPAs. We have divorce attorneys who when they’re doing their negotiations and mediators, they value the debt differently than the other side. One side sees it as a 29-year debt. The other side sees it perhaps as an 8-year debt. That 8-year debt might be the way to go. When we look at the values of credit cards and other items, we can look at these items and label them out. We could do a lot of predictive analysis, especially on the real estate side as to buying investment property and when we can retire debt.

We have individuals who have so many properties. Only a few of them still have loans because they’re retiring the debt and then buying more doors with the equity and position and then doing it in cycles. They’re creating more rent, income, and opportunity. As you hear the cash register in the background, there you go, more money. Give us a call at (888) 543-3980. We’re watching interest rates very carefully but honestly, it’s what you do with that interest rate afterwards that’s even more important.

The difference between a 6.999% rate and a 6.75% rate, you may fight for that. What it means in the long run, working under a perfect financial GPS, may not be worth the cost of buying that rate lower. It’s hard to understand. Interest rates are not built the same. The lowest rate isn’t always the best rate. That’s not how it works. You need to understand how to look at the overall menu. You need to look and understand how money works. It’s very easy for someone to say, “This is lower than this. This is better.” That’s not the whole story. It’s what makes up those numbers that make a difference.

Remember when you had adjustable-rate mortgages more prevalent? An adjustable-rate mortgage has a floor number, a start rate, an adjustment cap, a margin, and a life cap. It’s got all these things but somebody tells you about 3 of them instead of 6 of them, and 4 of them instead of 6 of them, and you go, “That’s fantastic.” They left out the key items that still change if it makes sense or not. If they left you out of the life cap, they didn’t give you the margin of how much you’re loan adjusted and what it’s going to go to. Those things are important. You’re making decisions without full information.

I want to help enlighten you without creating a burden and going overloaded with numbers. A lot of people don’t like numbers. I do. I put it in the middle of my desk and I want to be on your team. You may push me off to the left or the right or off your desk altogether, I want to work with you. I want to optimize your results and put them on auto-pilot so that you’ll understand, be able to follow and take advantage of this opportunity to have a perfect financial GPS program working for you. Register right now at Webinar@AHeadForMoney.com. I want to see you on Tuesday night.

It’s your day in Real Estate Radio. A lot of traffic coming in. A lot of emails and texts going in. We got people registering for our webinar. You can send me a text as well to our number (888) 543-3980. If you send a text, I need to make sure I have your name so I know who you are to show up. I want to make sure I can get that out to you. I’ll have your number to send that text back to you with the invite. If you can give me your name or maybe even your email, that would be fantastic. I want to make sure we get you the best information. I will not be so cryptic about it. Our goal is to get a relationship with you and understand what we can do to help you not trying to figure out the way of an escape room.

I want to make sure we got this path easy for both of us and that your information is not being sold to anyone else. It’s going to us for your purpose, your need, and what you want. It’s not going somewhere else. I talk about this whole opt-out item. It is important to have this opt-out in order to do items when you have credit being ramped. That credit to be run is going to cost you much. That credit is going to be run and then your information sold. You are going to get calls from 30, 40, or 50 people over the next couple of days. Make sure you go to OptOutPreScreen.com prior or (888) 567-8688, which is (888) 5OPT-OUT. You want to make sure you do that to protect your own sanity, getting all those phone calls coming in, and solicitation after solicitation.

You might have great technology blocking and doing and all that fun stuff. Take that pre-notion of thought and make sure you cover that avenue. We’ve been talking a lot about debt and early retirement of debt based upon using principles of money, which I will go into on our Tuesday webinar at Webinar@AHeadForMoney.com to register. You’re going to send me your email as you’re going to that. Throw me your name or if you like, even a phone number so I can send a text to you with it as well. Let me know your best preference. My goal is to get you the information to have you attend on Tuesday and then see if it’s right for you or we can talk further about it. Again, Webinar@AHeadForMoney.com. That’s 6:00 PM, Tuesday night.

If you’re not available Tuesday evening, I will set up or we can set up another consultation, whether it’s in the day or in the evening. I’ll be glad to do that based on the calendar and schedule. We can have our own individual get-together and talk further about where you are and what your goals are with your finances and money. Attain your own personal financial GPS, navigate, and eliminate debt much sooner. Some of the loans that we’ve been doing of late, we’ve done some of these loans where we have lower down payments based on certain zip codes and regions. We’ve been able to get certain grants in different products that go behind it to go with lower down payments. Those are available, depending upon the cash crunch or whether it’s more for interest rate.

We can look at those avenues together. It’s also working in tandem with your real estate agent or realtor in order to set up the right offer, depending on the market, appraised value, and what’s happening. It’s possibly getting some seller credits. Maybe the seller is giving you credit towards some closing costs and that’s funding the rate buy down. There are loans available that we can do a one-year buydown, a two-year buydown, or even a three-year buydown. I think right now that a one-year buydown is fairly attractive as it will take us a year down the line. We may see lower interest rates and we may be able to move sideways if not better.

If it’s free funded by your seller, that works out nicely. It’s a matter of setting up that in the offer, understanding the value of the property, and moving forward. I have had some recent sales based on the property, the equity position, and the strength of the borrower. Getting appraisal or desk appraisal costs us much less, maybe $170-some odd for an appraisal versus $560 or so. It’s about saving you money, but I caution. We’re not doing a full appraisal but you’re doing, perhaps for your own sake, the home inspection. You’re getting all the information you need and the appraisal is just the icing on top because you know the value is there. Otherwise, why would the lender feel comfortable doing that appraised value item that way if they didn’t see the numbers as well?

They want to make sure their collateral is okay. You do need to do that home inspection because that desk review is not going to show the visual as well. I want to make sure you’re protected and your realtor can do that for you. I don’t list. I don’t sell. I have a broker’s license here in the state of California. I use it for my lending side. I’ve been doing that in my 37th year. I’ve been on the radio now for over 17 years. I want to make sure you’re protected in every way, shape, and form. My goal is always to look at what potentially can come up as a problem, make you or your realtor aware, and make sure we’re walking through and anticipating items before they happen. I’m a problem solver. That’s what I do.

My office knows that there are no problems and makes sure I’m okay because I’m looking for those to make sure my clients and the process run smoothly. When everyone else is high-fiving and celebrating, that’s when you make sure I’m okay. I’m always making sure everything is perfect. I anticipate and try to do that throughout. That’s what I’ve always done. I want to be there for you. This upcoming week, we have calendar events coming out. We got consumer credit on August 7th. On the 8th, we have exports, imports, trade balance, inventories, and wholesale sales. On Wednesday, we’re sitting here with the information about the oil sector. We’ll see what that does for us. It’s not probably high impact, but we’ll see what that does.

August 10th, we have our Consumer Price Index coming out. That’s always an important item. We’ll see what’s going on with the CPI. We have initial jobless claims as well. We’re going to see what’s happening there. On Friday, we have the PPI numbers, Producer Price Index. We’ll see how that fares out. On August 10th, we’re getting rid of the numbers from July of the previous year. It is going to be as impactful as it was the month prior. We’re going to see what we can do, nickel and dime down, to see if this month’s figure is a little lower than the previous year to make that number look a little bit better. We’ll see between the CPI and the core PPI coming out on Thursday and then Friday respectively. We’ll keep an eye on these items as I always do.

The loans that I have in, we’ll look at the timing. For loans that aren’t in yet, we take a look at the general trend so decisions can be made, and timings can be also figured out with some of the refinancing we are doing. There is refinancing happening. Everyone says, “There’s no refinances.” There is refinancing. It’s just refinancing for a reason. There’s a purpose. It’s getting rid of high debt perhaps or debt that’s not necessarily as advantageous, even if we were getting a rate that’s 6 or 7. It might be better to gain the additional discretionary monthly money to allow it to attack interest more soundly. We can go over those principles and understandings, and make sure there’s a net tangible benefit.

Junk In, Junk Out

As I said, a lower interest rate isn’t necessarily the best interest rate. It’s how that loan is set up and what you’re doing with it. It’s the individuals who are refinancing and paying that lower payment, but then racking up the debt again. We’re not asking you to go back to the piggy bank and go ahead and keep doing that. We’re trying to do something that’s advantageous and then have it reduce it much sooner. You can do some of that on your own but you could leave a lot on the table without a perfect financial GPS program guiding you through that process. That’s what I want to talk to you more about.

I’m doing the same thing. I’ve taken my 26.4-year loan, which was going to be about 12.3 years, and now I have it under 8 years because of utilizing this opportunity to do much better for me. These are the things I want to share with you. I want to take my years in the business and the knowledge that I have and move it over to you to utilize. You don’t need a degree in Finance. I’m not asking you to take a new job. I’m not asking you to do what I do, but I want to bring this information to you for your benefit. I can’t pretend to do your job. I may know how and what you’re doing, but I have no idea how to do it. I can’t perform my own surgery.

It’s some of the tech people telling me, “Go do this and this and go on here.” I’m going, “Okay. I heard what you said, but I have no clue what I’m doing.” Basically, you dumped me on the top of the mountain, pointed me down to the double diamond, told me “I’ll meet you at the bottom,” and I’m snow plowing all the way down. I want to make sure I’m getting you down to your destination in the most effective way possible.

I’m Mike Harris, President and CEO of United Mortgage Corporation of America, United4Loans.com. We have another busy program. Thanks to our audience here on News Talk 1590 KBTA. Many calls come in each and every week asking questions regarding their real estate and what they have in their current mortgage. Evaluating that current statement, can you do better? Is there a better way to attack early interest so I can eliminate the debt faster? There is. I like to see if you’re available Tuesday evening at 6:00 PM. Send me an email at Webinar@AHeadForMoney.com. I want to get you registered. I want to get you the information.

If that time is not good for you, let me know. I’ll set up and we’ll set up a time that works for both of us and we can have a one-on-one appointment. I can get that done for you and we can talk. My goal is to show you a better way. I may ask you, what is your biggest expense? Some of you answer student loans, car, home, or mortgage. It’s interest. Interest is not all the same. It’s a matter of how it’s set up. Simple interest or amortized interest, all these things matter. The lowest rate isn’t always the best rate. I want to do an analysis for you without any obligation but with information and education. Call me right now at (888) 543-3980. We don’t sell your information to anyone. It stops with me. The buck stops with me.

I’m telling you right now. It’s for you and your benefit. You’re not dealing with AI and all these fun things and people not listening. You’re going to work with me. We’re going to get somewhere and make it happen for you. If we can’t, I’ll tell you, “It’s not right for you. Let’s move on. Thank you so much. I appreciate your time.” My goal is to have results for you. My goal is not to not have results and then, “What would I do? They’re always here.” I don’t want to dread having you do something. It either makes sense or doesn’t, and we’ll find out together. Junk in, junk out, I want the right information so we can get the right result and find out what we can do for you. I had someone who didn’t believe that anything could be done for them.

They were on the verge of financial disarray. All of a sudden, he’s got this optimism because we were able to reduce the time and items he owes. We were able to take him down to various levels of understanding of what was happening and where his money was going. Everything seems a little bit better. You don’t have to have financial issues in order to get involved with this opportunity either. We have individuals who are taking it to the next level, buying investment property, doing other things, creating additional wealth, and more comfort. We have individuals that are debt-free and they’re still utilizing the abilities here for forecasting and other items. Predictive analysis when it comes to when to take Social Security.

There are so many things that can be done. We have professionals, realtors, financial planners, CPAs, insurance agents, and attorneys who are getting involved with this opportunity because they’re able to utilize this more effectively when it comes to their clients and the opportunities that they offer as well. Find out more. I’d like to have your own appointment. I’d like to do that with you. No obligation. You can email me directly at Michael@United4Loans.com or Michael@AHeadForMoney.com, the same email there for Webinar@AHeadForMoney.com. I want to make sure you have the information you need to make the right decision for you and your family, possibly a better decision than the one that you’ve been making so far.

If there was a program to eliminate most of the interest in your life, pay off all your debts, personal and/or business, and even your mortgage in as little as a third or half the normal time without refinancing or changing your lifestyle, would you want to learn more? I want to get you information to evaluate or have you come to our webinar on Tuesday evening. I want to know your opinion. Let’s start there, then I like an opportunity based on your answer to work with you and understand what this opportunity can do for you. Ultimately, it’s your decision. Take it or leave it. You’re sending that money to somebody else, why not keep it for yourself? (888) 543-3980. Give us a call. Look at the results and then you make your decision.

I’ve been in the real estate industry and lending now. It’s my 37th year. I’ve been on the radio for over 17 years and I want to make sure you have the information you need to make the right decision. It’s not the what if, could have, should have, should I, or whatever. It’s making the decision now so you don’t have any regrets. It’s learning information that you were not shared with and you’re working under the bank’s plan. There are other ways, other methods, and ways that you can come out further on top. Why can’t you understand or want to know these items and who’s holding you back? Nobody is. I want to show you.

We have a very busy week ahead. A lot of meetings are already preset up, but there’s always room. I want to make sure we get the calendar working well for you. Give me an hour but if we have a get-to-know-you half hour and then I send you out some information to review, then we can always get back and talk. I always want to make sure you’re not being left out and you have the information to go over as we head through the summer months. Getting the stuff going as we are starting here in August. If we’re setting things up, I want to make sure you’re on the opportunity and it’s working for you before the end of the month so September starts cleanly and you’re able to follow and start your savings right away. It’s all about saving you money. The more time that goes by, it’s one month, but we’re not saving you as much. My goal is to save you the most money possible.

Many of you have student loans, perhaps, that are starting payments. In October, that’s going to be key, and making sure that you have enough discretionary money available to handle this potential new payment before there are problems. I want to make sure we’re ahead of that. Primarily, if you’re looking for an opportunity, maybe you’re renting and you’re looking to own, or you’re owning currently and looking to move up, down, or sideways, buy rentals or a second home, I want to be that person here for you as well talking about mortgage, interest rates, timing, different products or loans available, whether you’re a first-time home buyer or you’ve been doing it for years.

Various disclosures and items have changed over many years. I want to make sure we’re talking about these terms and handling these items correctly. I want to be that person for you. Go to our website or our show site, YourRealEstateLife.com. Our company site is United4Loans.com. On that site, on both sides, you’re going to be able to watch the past programs. You’re going to be able to watch the market and what’s going on on a day-to-day basis. You’re going to be able to get our newsletter. I can send that out to you automatically on a weekly basis, but you can go look on our site and catch our newsletter there. We’ll talk about the week that was and the week that’s coming. We talk a little bit more about the current market.

It’s not necessarily for everyone and every day, but as you’re involved in certain parts of different transactions catching up on quick news, you can do that. I appreciate you letting me know your wishes. Again, my goal is to save you money. I spend your money the way I spend mine sparingly. I want value for my money so should you. Your lender loves you. You don’t need that kind of love in your life. If you’re renting, your landlord loves you. You don’t need that kind of love in your life. Let’s get you pre-approved, find out what we can do, and let’s start eliminating debt together. Let’s get you on the other side of the ledger, create wealth, and set up plans for your family and your legacy going forward.

Let’s get rid of the stress of what’s going on. Honestly, let that be somebody else’s stress, but let it not be yours. Let’s find out what others are doing and what others have been successfully doing already going forward with their personal finances. Professionals are finding tremendous success reaching out to clients, past and current clients, and saving them more money, creating more opportunities to allow them to protect the ones that they love. I look forward to showing you all of that. Register for our webinar at Webinar@AHeadForMoney.com. Feel free to email me directly at Michael@United4Loans.com. Our show site is going to be YourRealEstateLife.com or the company, United4Loans.com.

We’re approved in five states, California, Colorado, Texas, Montana, and the state of Washington. That’s where we can lend forward and reverse, construction or commercial, but I also can do investment property out of state in 30-plus other states. If you have a state that you’re working to, looking to move, or buy property, let me know. I can evaluate the current information or loan information there. I may be able to write the loan for you or even get you to the right professional. I challenge you to challenge yourself. Make a call, find out what is available, and what you can do to be better. It’s not only looking at that mortgage statement, but it’s looking at all the items you have coming in, like your annual, semi-annual, quarterly, and monthly items.

Finding out where that extra money is going and getting a better handle on it, what items have interest, what kind of interest they are, and what could be done and paying those more effectively to reduce that overall interest volume. That interest volume is going to be the difference. If we can lower the volume by increasing the frequency, that is what I’m talking about. It’s utilizing the money that you have. I’m not asking for a gig job, a second job, something changing, going on a diet, or doing something. We’re doing what you’re doing now, but doing it in a better way. We’re not taking the flight out of LAX to get to Hawaii but stopping in New York in between. You may get to your destination but look how much time you added to it.

We want to get you to the best route with the best timing with the least amount of traffic possible. We don’t need the extra noise. We just need results. That’s what we’re looking to do. Call now at (888) 543-3980. I want you to answer this question as I posed already, and I know it’s going to be a yes. If there was a program to eliminate most of the interest in your life, pay off all your debts, personal and/or business, and even your mortgage in as little as one-third or half the normal time without refinancing and changing your lifestyle, would you want to learn more? Send your yes answer to Webinar@AHeadForMoney.com. I then want to send you your personal invite. As per your request, I’ll send you a few links that you can watch prior.

Let’s get you started on your journey of saving money and converting debt to wealth. Each week, I talk on this program and I wonder what is it that we’re going to talk about. It gets so exciting because every single week, there seems to be more information that we go over. The economy things are moving and things are changing but so many individuals don’t take advantage of what’s available for them to do. It’s not because you don’t want to. It’s just because no one is telling you that you could. I’m telling you now that you could and you should. I want to be there for you. I’m excited that you joined us. It’s always a busy program. I’m overwhelmed sometimes by the outpouring that occurs. When I finished the program, calls started coming in more so.

People wait until the end of the program to make a phone call. If you call earlier or during the program, there may be answers from my team, but I’m going to get involved and talk to you off the air. There’s no reason to wait. If you have an interest, you should already be sending your email to Webinar@AHeadForMoney.com. I’m going to get back to you. I’m going to make sure your needs are covered. I’m going to answer all the questions and information. Everything is going to be transparent for you and the goal is to save you money. There is a guarantee to these results. We’ll talk about that. I’m excited. We’re getting text messages coming in. As I have my phone right here, that’s working nicely. I appreciate that.

We’re going to be busy. We don’t take the weekend off. We look at that as our work week. We want to make sure your information and results are coming back to you to allow you to make the right decision during your busy time before that on your work week. I do appreciate you showing up. Catch all of our past programs at our website YourRealEstateLife.com or United4Loans.com. You can go ahead and catch the market conditions. We’ll follow what’s going on in the economic news and reports on a daily basis. Sometimes, we have rate changes in the morning or afternoon. Sometimes, it happens three times a day. Depending on where you are in your transaction, we’re watching and looking at the dates to close. That becomes very important whether you’re looking to purchase, refinance, going forward, or in reverse.

We’re helping people with reverse mortgages successfully close, 55 years of age and older. We’re also doing ITI loans or taxpayer identification loans. For those who do not have a Social who are here legally working in the US, we are getting those loans done with as little as 11% down. It doesn’t take 20% down to buy a home. It can be 0% down as we’re doing with many of our programs in our median income areas. We’re at the end of our day and at the end of our program, but it’s not the end of our time with you. Give us a call at (888) 543-3980. Until next week. What kind of loan do you have?

Important Links

• Webinar@AHeadForMoney.com
• OptOutPreScreen.com
• Michael@United4Loans.com
• Michael@AHeadForMoney.com
• United Mortgage Corporation of America